[Discussion] General Queries From Newbies

[CSV]

no need scared it will eat into the metal or what right? use it like contact cleaner?

[willtam]

uncle tam not everyone has the financial ability to buy a bike full cash, some are students n some might be serving the nation, so going to a bike shop for hire purchase is the only solution for them, unless kalie doesnt knows there is a Buy n Sell section in PK...lol

 

..wha address me loud and clear ah ....HamsterWhale how is that "Lauda - Madman and the likes didnt get to have this "honor" leh ...

 

btw .. . can’t we negotiate and buy our own then go get finance independently ? not necessarily finance is only provide thru Bike shop right ?

[hamsterwhale]

no need scared it will eat into the metal or what right? use it like contact cleaner?

 

yup no worries...best is after this are done, put some grease on it to prevent oxidisation

 

..wha address me loud and clear ah ....HamsterWhale how is that "Lauda - Madman and the likes didnt get to have this "honor" leh ...

 

btw .. . can’t we negotiate and buy our own then go get finance independently ? not necessarily finance is only provide thru Bike shop right ?

 

financing option is aplenty, u have the most common is hire purchase straight from shop, or personal loan from parents, bank loan and then loan shark.....lol but i doubt any1 would use the last option to buy a vehicle....

[madman]

Dun anyhow address me as lauda hor, later ki siao how...

 

Loan frm shop dun get too long period la, as short as possible, else it's like paying so much more for interest. Checkout some of the credit cards, it can be lower than the shop interest.

 

Or u can take the loan from post office there one, interest I believe lower than shop if u taking for longer periods... If only one yr no diff la.

[CSV]

@hamsterwhale,

 

it worked! wah, you saved my life for the 2nd time. now no need to and take screw driver tap here tap there to start the bike liao!

[hamsterwhale]

@hamsterwhale,

 

it worked! wah, you saved my life for the 2nd time. now no need to and take screw driver tap here tap there to start the bike liao!

Lol spray batt terminal also if it's a old batt

[willtam]

Dun anyhow address me as lauda hor, later ki siao how...

 

Loan frm shop dun get too long period la, as short as possible, else it's like paying so much more for interest. Checkout some of the credit cards, it can be lower than the shop interest.

 

Or u can take the loan from post office there one, interest I believe lower than shop if u taking for longer periods... If only one yr no diff la.

 

...use Credit Card loan to buy bike ....at up to 24% PA ...lower than shop ...gosh shop must be charging 30% PA ah ?? Lauda are you sure ?

[madman]

I said it "can be" not it "will be" cheaper. There are ways around like zero percent interest for x number of mths, it depends what u hav yah and amt of loan and the duration u want. It's nt always bad to hav credit card. U jus need to knw how to max it's usage. Diff cards for diff purposes. I wun recommend max all ur card credit though, u will get into debt which takes forever to pay.

 

Cash is not always cheaper, and card is nt always better either.

[willtam]

. . wah so hot and precise at such early hour ....4 am ... just finish “work” ah …see your educated self outburst set your true self ...yes sir I fail to see the "can be" and Not "will be". . .nevertheless NEVER touch the Credit card Unless you plan to pay full sum upon being bill PERIOD If not One lead to another ….soon you last track and end up **** men…my 2 cents opinion Teacher

[Kevs]

i read & read & read... until

 

Or u can take the loan from post office there one, interest I believe lower than shop if u taking for longer periods... If only one yr no diff la.

 

that one ah, is one of the most high in the interest de lor..

 

IMO, i still rather tk direct frm shop, save the hassle of running here & there to get approval & paying of loans.

[madman]

this is not my true self. you've yet to seen, hopefully no need to see.

 

whatever it is, my advise is check out all the options available to the "borrower", then decide for urself which is the best option.

 

I agree that unless can pay for the credit card usuage, best not to touch, just that sometimes, it can be the best option, "depending what" ok... hehee...

 

everything has it's plus and minuses...

 

lastly, post at 4am cos slept early, body can't sleep longer than that. that's all...

 

kev, i went to check out post office one b4, comparing to others, total still pay lesser...maybe now diff, i dun know...

[willtam]

One innovative way is to look for some VV good close friend or NOK or close relative and propose that they loan you the sum of money and you set up bank account in their name with monthly GIRO payment deducted from ones salary to pay for the loan Plus the expected loan interest but lower than Shop but higher than the current bank saving or fixed deposit interest which is so dam miserable - less than 1% PA ...so its win – win situation mah ...so how my "Eye-Deer" Mr Lauda Teacher

[kmax]

I said it "can be" not it "will be" cheaper. There are ways around like zero percent interest for x number of mths, it depends what u hav yah and amt of loan and the duration u want. It's nt always bad to hav credit card. U jus need to knw how to max it's usage. Diff cards for diff purposes. I wun recommend max all ur card credit though, u will get into debt which takes forever to pay.

 

Cash is not always cheaper, and card is nt always better either.

 

it's not straight swipe credit card and sign thing.

 

most banks have balance transfer (free interest loan) applications.

 

depends on your credit limit, they allow you for 3 month, 6 month, or upto a year free interest (wtih processing fee of 100$ or so).

 

what i did before.. is to get $$ from one bank.. (let's say 5000$) then pay back 200$ per month for a year 2400$, then still have outstanding for 2600$.

 

I will get another similar interest free loan from different bank.. and pay off 2600 from first bank.. carry forward to pay monthly at second bank while enjoying interest free for second year.

[madman]

erm best is save up the $ then go pay full cash? hahaa... ur solution is ideal, but it has it's cons... relative or vv close friend, when it comes to $, it can hurt the relationship one way or another... i say can hor, not will be har.... hehee

[kmax]

IMO, i still rather tk direct frm shop, save the hassle of running here & there to get approval & paying of loans.

 

that's most people mindset.. for convenient... imagine..

 

shop charge you 4% flat interest (no reducing) through out the loan amount 5 years.

 

you loan 10k.. for bike purchase.. 4% (brand new bike) is 400$ per year, 5 years is 2,000$ on interest alone you will be paying.

 

if you take interest free bank loan, 2000$ is yours to keep. just for more hassle...

if interest is 6% flat (most second hand bikes), it's 3,000$ just for interest.

 

but most people say.. "aiya.. troublesome" so bike shops are smiling and welcome to all customers.

[madman]

it's not straight swipe credit card and sign thing.

 

most banks have balance transfer (free interest loan) applications.

 

depends on your credit limit, they allow you for 3 month, 6 month, or upto a year free interest (wtih processing fee of 100$ or so).

 

what i did before.. is to get $$ from one bank.. (let's say 5000$) then pay back 200$ per month for a year 2400$, then still have outstanding for 2600$.

 

I will get another similar interest free loan from different bank.. and pay off 2600 from first bank.. carry forward to pay monthly at second bank while enjoying interest free for second year.

 

u explained it well bro, at least better then mine. jus that, the person must be disciplined enuff to pay on time, else, the penalty fee will come in.

[kmax]

erm best is save up the $ then go pay full cash? hahaa... ur solution is ideal, but it has it's cons... relative or vv close friend, when it comes to $, it can hurt the relationship one way or another... i say can hor, not will be har.... hehee

 

true.. remember to keep track of outstanding amount and promotion period.. else.. there are late payments and 24% interest rate...

[madman]

true.. remember to keep track of outstanding amount and promotion period.. else.. there are late payments and 24% interest rate...

 

that's what the banks waiting for ah... that u "forget" about the details...hahahaa... the sharks there are bery patient in these one...

[Kevs]

that's most people mindset.. for convenient... imagine..

 

shop charge you 4% flat interest (no reducing) through out the loan amount 5 years.

 

you loan 10k.. for bike purchase.. 4% (brand new bike) is 400$ per year, 5 years is 2,000$ on interest alone you will be paying.

 

if you take interest free bank loan, 2000$ is yours to keep. just for more hassle...

if interest is 6% flat (most second hand bikes), it's 3,000$ just for interest.

 

but most people say.. "aiya.. troublesome" so bike shops are smiling and welcome to all customers.

 

lol... agree man... i cant be bothered for the troubles. pay & ride...

[willtam]

Ai yo Kev ..."Wu-Lui-Lan" ok lah . . .The Rich & Famous pay and pay for convenient ...Time is money . . .if you got no money then need to spend time and be "troubled" lor …Bro "opportunity cost" remember , this is if you have lah

[Kevs]

Ai yo Kev ..."Wu-Lui-Lan" ok lah . . .The Rich & Famous pay and pay for convenient ...Time is money . . .if you got no money then need to spend time and be "troubled" lor …Bro "opportunity cost" remember , this is if you have lah

 

is not meaning that one hv to be rich..

just tat saving the hassle to go here & there.

[madman]

an issue of whether the hassle is worth it.

 

same as pump petrol here or jb... or ppl who tie cover to their bike and not pay parking... A hassle each individual has to balance him/herself...as well as the risks involved.

[karlie]

hey guys, is it normal to constantly kick into neutrel when you're trying to get into 2nd gear. my bike has this issue sometimes when i try to get from first gear to 2nd gear, it's like i can be tapping it alot just to get it into 2nd gear. the rest of the gears are alright though, is this normal?

[systemx]

hey guys, is it normal to constantly kick into neutrel when you're trying to get into 2nd gear. my bike has this issue sometimes when i try to get from first gear to 2nd gear, it's like i can be tapping it alot just to get it into 2nd gear. the rest of the gears are alright though, is this normal?

 

Had the same problem, but with my third gear. Had too get the transmission overhauled and 3rd gear replaced. $300++

[revhappy]

hey guys, is it normal to constantly kick into neutrel when you're trying to get into 2nd gear. my bike has this issue sometimes when i try to get from first gear to 2nd gear, it's like i can be tapping it alot just to get it into 2nd gear. the rest of the gears are alright though, is this normal?

 

Thats normal. How would the bike know you want to go from 1st to neutral or from 1st to 2nd gear.